Terms of Service
Last Updated: January 5, 2026
1. Acceptance of Terms
By accessing and using NTYTBR (“we,” “our,” or “the Service”), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Service.
2. Description of Service
NTYTBR provides educational content related to personal finance, budgeting, and money management. Our content is for informational and educational purposes only.
3. Not Financial Advice
Important: The information provided on NTYTBR is for educational purposes only and does not constitute professional financial advice. We are not licensed financial advisors, and the content should not be considered as personalized financial recommendations.
You should:
- Consult with qualified financial professionals before making investment decisions
- Conduct your own research before taking any financial actions
- Understand that financial decisions are your own responsibility
4. Use of Content
4.1 Personal Use
You may access and use our content for personal, non-commercial educational purposes.
4.2 Restrictions
You may not:
- Reproduce, distribute, or sell our content without permission
- Use our content for commercial purposes without authorization
- Modify or create derivative works from our content
- Remove copyright notices or attributions
5. User Conduct
When using our Service, you agree to:
- Provide accurate information when subscribing or contacting us
- Not engage in abusive, harassing, or inappropriate behavior
- Not attempt to disrupt or interfere with the Service
- Respect the intellectual property rights of NTYTBR and others
6. Newsletter Subscription
By subscribing to our newsletter, you agree to receive:
- Educational content about finance and money management
- Updates about new content and resources
- Occasional announcements about our services
You may unsubscribe at any time using the link provided in our emails.
7. Third-Party Links
Our Service may contain links to third-party websites or services. We are not responsible for:
- The content or practices of third-party sites
- Any transactions you make with third parties
- The accuracy of information on external sites
8. Intellectual Property
All content on NTYTBR, including text, graphics, logos, and videos, is owned by NTYTBR or our content creators and is protected by copyright and intellectual property laws.
9. Disclaimers
9.1 No Guarantees
We make no guarantees about:
- Financial outcomes from using our educational content
- The accuracy or completeness of all information
- The suitability of our content for your specific situation
9.2 Educational Nature
Our content is educational in nature and may not reflect the most current developments in financial markets or regulations.
10. Limitation of Liability
To the fullest extent permitted by law, NTYTBR shall not be liable for:
- Any financial losses or damages resulting from use of our content
- Indirect, incidental, or consequential damages
- Loss of profits, data, or business opportunities
11. Changes to Terms
We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting. Your continued use of the Service constitutes acceptance of modified terms.
12. Termination
We reserve the right to:
- Suspend or terminate access to our Service
- Remove content at our discretion
- Refuse service to anyone for any reason
13. Governing Law
These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles.
14. Contact Information
For questions about these Terms of Service, please contact us through our newsletter or social media channels.
15. Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
By using NTYTBR, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.